Gently nestled within one of the most picturesque communities in McKinney, this stunning residence is truly a rare find, ideally situated in sought-after Phase 1 of Trinity Falls just minutes from Hwy 75 and within walking distance to Sweetwater Park and the community’s exceptional resort-style amenities. As you step inside, you are welcomed by a spacious, effortlessly flowing floor plan highlighted by fresh interior paint - May '26, soaring ceilings, and an abundance of windows that fill the home with natural light. A dedicated office tucked behind french doors upon entry creates the perfect work-from-home space while offering flexibility for a variety of lifestyle needs. The heart of the home kitchen is both beautiful and functional, featuring a gas cooktop, large island, and seamless flow into the dining and living areas - ideal for both everyday living and entertaining. The luxurious primary suite offers a relaxing retreat complete with dual vanities, a soaking tub, separate shower, and spacious walk-in closet. Secondary bedrooms are generously sized with convenient access to a full bath. Enjoy your own private, secluded backyard retreat - spacious enough for a future pool - while savoring a morning cup of coffee or unwinding with your favorite evening beverage on the patio. Outside your home, enjoy an exceptional lifestyle surrounded by nature, including a 350-acre natural park with miles of wooded trails. The Club features a beach-entry pool, splash pad, brand-new fitness center, pavilion with fireplaces and grills, along with parks and play areas. The Lodge offers a resort-style pool, fitness center, event lawn, and coworking spaces. Serviced by exemplary McKinney ISD with the added convenience of an on-site elementary school. Excellent location offers easy access to US-75, Sam Rayburn Tollway, and US-380, with countless shopping and dining options nearby and Historic Downtown McKinney Square just 10 minutes away.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
